Buying a condo near the beach? The unit inspection focuses on what you own, while the association handles the rest.
Key takeaways
- A condo inspection focuses on the unit and the systems you are responsible for.
- Common elements like the roof and structure are typically the association's responsibility.
- Florida has updated condo safety and reserve requirements for many buildings.
- Ask the association for recent inspection reports, reserves and planned assessments.
Condos are popular along the coast in Daytona Beach and Flagler Beach. Inspecting a condo is a little different from inspecting a single family home, because ownership and maintenance are shared with the association.
What the unit inspection covers
- Interior walls, ceilings, floors, doors and windows
- Electrical panel, outlets and fixtures within the unit
- Plumbing fixtures, visible supply and drain lines and the water heater
- The AC system serving the unit
- Built in appliances
- Balconies and sliding doors where accessible
What the association handles
Roofs, exterior walls, structural elements and common areas are usually the association's responsibility. A unit inspection may note visible issues in these areas, but the association's own engineering reports are the best source of information.
Florida condo safety rules
After the 2021 Surfside collapse, Florida passed laws requiring milestone structural inspections for many condo buildings three stories or taller, along with updated reserve requirements. These can affect future assessments, so buyers should review them carefully.
Documents to request
- Recent milestone or structural inspection reports
- Reserve study and current reserve balance
- Any planned or recent special assessments
- Association insurance and what the unit owner must insure
Our Daytona Beach and Flagler Beach pages have more on coastal homes.
Frequently asked questions
Do I still need an inspection for a condo?
Yes. The unit has systems you will be responsible for, such as the AC, water heater, electrical and plumbing.
Does a condo need a 4-Point or wind mitigation report?
Sometimes. It depends on your insurance policy and the building. Ask your agent what your carrier requires.
